We were just about to exchange contracts for a leasehold flat in Thames Ditton. We encountered a stumbling block. The loan offer with Norwich and Peterborough Building Society runs out on 15/9/2025 but the sellers are suggesting a completion date of 17/9/2025. Can one extend the mortgage expiry date?
The best person to address this issue is your conveyancer who will determine whether they corresponding with the mortgage company, seller’s conveyancers, estate agents or conceivably all three given the circumstances your house move as of today.
Having sold my house in Thames Ditton last July but the buyer keeps Skype messaging me to moan that her solicitor needs to hear from mylawyer. What should have happened following completion?
Following your house sale your conveyancer should deliver the transfer deeds and all of the paperwork to the purchaser's lawyers. If applicable, your solicitor should also evidence that the legal charge in favour of the lender has been paid off to the purchasers conveyancers. There is unlikely to be post completion requirements unique to conveyancing in Thames Ditton.
Do I choose a Licenced Conveyancer or Solicitor for conveyancing in Thames Ditton?
There are two types of lawyers who can do conveyancing in Thames Ditton namely CLC regulated conveyancers or solicitors. The two can provide conveyancing services that required to complete the disposal or purchase of property. Both are duty bound to conduct Thames Ditton conveyancing to the same standards and guidelines so you may be safe in the knowledge that your conveyancing will be professionally administered and that the necessary procedures should be accurately taken.
My uncle advised me that in buying a property in Thames Ditton there may be various restrictions limiting what one can do in terms of external alterations to the property. Is this right?
There are a number of properties in Thames Ditton which have some sort of restriction or requirement of consent to perform external variations. Part of the conveyancing in Thames Ditton should determine what restrictions are applicable and advising you as part of a ROT that should be sent to you.
I can not fathom if my bank obliges me to make sure the lease term for the flat is extended prior to the completion date. I have called my Thames Ditton bank branch on various occasions and was told they are content with the situation and they would lend. My Thames Ditton conveyancing solicitor - who is on the mortgage company conveyancing panel- called to say that they refuse to lend based on their published requirements. Who do I believe?
Your conveyancing practitioner has to comply with the Council of Mortgage Lenders’ Handbook section two provisions for your lender. Unless your lawyer obtains specific confirmation in writing that the lender will go ahead, your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask the mortgage company to contact your lawyer in writing confirming that they will accept the number of years remaining.
I am close to exchanging contracts on the sale of our property in Thames Ditton and according to the buyers it appears that there is a risk of it being built land that was not decontaminated. A high street Thames Ditton lawyer would know this is not the case. It does beg the question why the purchasers are using an online conveyancing practice rather than a conveyancing solicitor in Thames Ditton. We have lived in Thames Ditton for three years we know that this is a non issue. Do we contact our local Authority to seek confirmation that there is no issue.
It sounds as though you may have a conveyancing firm currently acting for you. Are they able to advise? You should enquire of your lawyer before you do anything. It is very possible that once the local authority has been informed of a potential issue it cannot be insured against (a bit like being diagnosed with a serious illness and then taking out health insurance to cover that same illness)
Due to the input of my in-laws I had a survey completed on a property in Thames Ditton ahead of retaining conveyancers. I have been told that there is a flying freehold aspect to the property. The surveyor has said that some banks may refuse to give a mortgage on such a home.
It depends who your proposed lender is. Bank of Scotland has different requirements from Halifax. If you call us we can investigate further via the appropriate bank. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Thames Ditton. Conveyancing may be slightly more expensive based on your lender's requirements.
I am downsizing from my property. My former lawyers closed down. I am in need of a recommendation of a conveyancing firm. I happen to live in Thames Ditton if that makes things easier.
Please use our search tool to help you find a solicitor for your conveyancing in Thames Ditton. We have connected thousands of home buyers and sellers with lender approved solicitors to ensure that the legalities of their house move goes smoothly.